Clay Cliffs
Highly rated schools nearby
The quick answer
Clay Cliffs is a neighborhood, part of Big Rapids Public Schools. Homes here typically sell for around $424,000.
5 homes for sale·Median $424K·Walkability 0.7/10·Schools 6.6/10
You'd expect this rural stretch to feel disconnected, but the neighborhood sits right where Big Rapids' outer edges meet working land—close enough to grab groceries on foot, far enough out to breathe. Wooded valleys, level yards stretching into the distance, and direct access to Clay Cliffs Nature Area frame the landscape. Recent builds showcase custom tile, floor-to-ceiling windows, and thoughtful renovations, while older ranch homes anchor quiet streets with mature trees and enough acreage for gardens, greenhouses, or four-wheeling. The Muskegon River runs through some properties, and Horseshoe Lake lies less than two miles away.
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Why people love it here
Riverview Elementary School
- Elementary — 2.4 mi away
- Big Rapids
- 5 rated schools in district
$424K median
- 8 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Clay Cliffs
Estimated Monthly Payment
$2,880/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
8 homes sold in Clay Cliffs this year. Thinking of selling?
See what your home is worthBased on 5 rated schools nearby
Range: 4/10 to 10/10
School District: Big Rapids Public Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Red Fox Market
Hungry Howie's
Mitchell Creek Park
+1 more
Brutus Dog Park
Walgreens
Big Rapids Library
AMC CLASSIC Big Rapids 4
Crime in Clay Cliffs is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Mecosta County.
Mecosta County crime & safety stats →To buy a median-priced Clay Cliffs home (around $424,250) at today's 6.65% 30-year fixed rate with 20% down, you'd need roughly $76k/year in household income to qualify — an estimated monthly payment of $2,858 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,858/mo | $76,203 |
| 10% (+PMI) | $3,289/mo | $87,709 |
| 5% (+PMI) | $3,434/mo | $91,576 |
Estimates use a 6.65% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Land for sale
Listings
7 parcels
Active / pending
Typical Land Value
$25K/acre
Median asking
Median Price
$31K
Per listing
Who actually lends in Clay Cliffs, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
Solar potential
~$909/yr in electricity from a typical rooftop solar system
Produces ~6,359 kWh/yr · offsets ~61% of a typical home's use
Utility, solar, and service details for Clay Cliffs are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Flood Risk
None
Not in flood zone
Nearest Park
Clay Cliffs Nature Area
1.2 mi
Parks Nearby
0
within 1 mile
🛒 Grocery(5)
+2 more within 5 miles
🍕 Restaurants(5)
🏫 Schools(4)
💪 Gyms(1)
Ferris State University - Racquet & Fitness Center
Fitness Center
🐕 Dog Parks(1)
Brutus Dog Park
Dog Park
🚴 Trails(4)
Big Rapids River Walk
Bike Path
Bike Path
Bike Path
Unnamed bike_path
Bike Path
+1 more within 5 miles
🚌 Transit(2)
Transit Stop
Transit Stop
💊 Pharmacies(1)
Walgreens
Pharmacy
🏥 Hospitals(1)
📚 Libraries(2)
⚡ EV Charging(3)
EV Charging
ChargePoint
EV Charging
Unnamed ev_charging
EV Charging
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Clay Cliffs? Our team can help with availability, schools, and what it's really like to live here.
Living in Clay Cliffs: the details
Is Clay Cliffs a good place to live?
Here is what the data shows about living in Clay Cliffs. For getting around, it is mostly a drive-first area, so you will use a car for groceries, dining and errands. This neighborhood is part of Big Rapids Public Schools. The going price is around $424,000.
What does it cost to live in Clay Cliffs?
The median home value in Clay Cliffs is about $424,000. There are 5 homes for sale here right now and 8 homes sold here in the past year.
Frequently asked about Clay Cliffs
- What do homes cost in Clay Cliffs?
- The median home value in Clay Cliffs is about $424,250. Individual prices vary by street, size, and condition.
- How active is the Clay Cliffs housing market?
- there are 5 homes for sale in Clay Cliffs right now, and 8 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Clay Cliffs?
- Clay Cliffs is served by Big Rapids Public Schools. Its highest-rated assigned school is Riverview Elementary School (10/10).
- Is Clay Cliffs walkable?
- Clay Cliffs scores 0.7/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Clay Cliffs
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.